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About the Role

As a Senior Software Engineer (L5) in Lending, you’ll work at the seam between member-facing products and the platforms that make them possible. You’ll lead technical initiatives that cut across products, platforms, and partner teams, helping shape how Lending evolves as a system. You’ll design and build backend systems where correctness, reliability, speed, and operational rigor matter deeply. You’ll partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to turn ambiguous opportunities into durable solutions, influence technical direction across team boundaries, and help raise the bar for how Lending engineers build together.

Responsibilities

Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems
Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync
Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious
Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse
Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases
Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending
Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions
Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries
Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices
Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org
Contribute to roadmap and strategy conversations by identifying where platform investments can unlock multiple product outcomes over time

Requirements

8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end
Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production
Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture
Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability
A track record of leading complex projects that span multiple teams, systems, or business workflows
Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor matter deeply
A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward without waiting for perfect structure
Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams in a low-ego, effective way
A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes
Experience mentoring engineers and helping teams raise the bar on design quality, testing, operational excellence, and engineering ownership
Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time

Skills

Ruby on Rails
API development
Distributed systems
Transactional databases
Asynchronous processing
Caching
Large-scale application architecture
System design
Fintech
Lending
Banking
Payments
Risk management
Communication
Collaboration
Mentoring

Location

Remote
Hybrid

Work Type

Full-time
Hybrid

Experience Level

Senior
L5

Salary/Compensations

Competitive salary based on experience

Benefits

Backup child, elder, and/or pet care
Subsidized commuter benefit
401k match
Medical benefits
Dental benefits
Vision benefits
Life benefits
Disability benefits
Generous vacation policy
Company-wide Chime Days
Company-wide paid days off
1% of your time off to support local community organizations
Annual wellness stipend
Up to 24 weeks of paid parental leave for birthing parents
12 weeks of paid parental leave for non-birthing parents
Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more
In-person and virtual events

About the Company

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.
We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.
We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.
We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Equal Opportunity

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.
Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.